Specialty Property Insurance Is To Protect You When You Need it Most.

Sometimes when you need insurance the most, you discover that there is a circumstance that makes purchasing it difficult. Even if your property is not easily insured we understand that insurance is vital even if there are things in the way. This is where specialty property insurance is vital. We serve the community of Huntington, TX and the surrounding areas at Integra Insurance Services and we can help you even if you may have a special circumstance. 

Specialty property insurance is pulled in when a property owner tries to purchase insurance and discovers that there is something that makes it a little more complicated. Examples of this are if your home is extremely old or low in value if your home is left vacant for much of the time, if the home has more than one family unit living in it, or if the purchaser has too many insurance claims in the past. Also if the area the home is located required add ons like flood or fire then specialty insurance may be called for. There are many situations and this type of property insurance is designed to help ensure the hard to insure people and places. We will be happy to discuss your needs and your current situation. 

Huntington, TX has homes of all types of ages and properties with many variations of risk. If you worry that purchasing insurance may be complicated with your situation contact us at Integra Insurance Services. We can make it seem simple and help you with the specialty property insurance services you need for the protection you want. Call us today to learn more. 

What are the benefits of a Texas commercial insurance policy?

Anyone that is looking to start a new business will want to find a location that offers a variety of great amenities. One location that can offer a lot of opportunities to small business owners in Huntington, TX. For those that are in this area of Texas and start a business, it would still be wise to get a new commercial insurance policy. There are several ways a commercial insurance policy can benefit a Texas small business. 

Ensures Compliance

One of the reasons to get a commercial insurance policy is that it can ensure you are in compliance with a variety of different requirements. Today, many businesses of all sizes are obligated to carry commercial insurance by their lenders, landlords, and investors. When you get this coverage, it can help to ensure you stay in compliance with your insurance obligations.

Protects Business

Even if there is no obligation for you to carry this insurance, you should still get a commercial insurance policy. When you have a full insurance policy, you will receive protection for your business assets and against liability. This could prove to protect your business in some challenging situations. 

If you are a business owner in the Huntington, TX area, it is clearly very important that you get a commercial insurance policy. As you are shopping for a new policy, you could soon find that it is a complex form of insurance to shop for. Since it is such a challenging form of insurance to assess, you should reach out to Integra Insurance Services to assess your needs. The team at Integra Insurance Services can help you to better assess your needs and then get you into a policy that provides the right type and level of coverage. 

How Much Auto Insurance Do You Actually Need?

It doesn’t matter whether you drive a brand new BMW or a late model Ford – you need to have the appropriate auto insurance to cover you in the event of an accident. If you are in the Huntington, TX area, and need help with your auto insurance questions, contact us at Integra Insurance Services where a friendly and knowledgeable team member will be happy to assist you. 

How Much Insurance Do I Need?

Generally speaking, the amount of coverage needed really depends on each individual’s unique situation. For instance, if you have teenage kids that have just started driving you’ll want to make sure you are protected from everything like a minor fender to a major accident. Keep in mind, that the higher the deductible you choose for collision and comprehensive the less expensive your policy but the more money that you’ll have to shell out upfront before the insurance company takes over. For instance, if I’m in an at-fault accident and the cost to repair my vehicle is $5000 and I have a $1000 deductible I have to pay out the first $1000 before assistance from the insurance company. The great thing about insurance is that there are a number of discounts you may qualify for. That’s why if you are in the Huntington, TX area it’s really important to call us at Integra Insurance Services so that we can determine if you qualify for a less expensive policy.

What About Liability Coverage?

You want to have enough liability coverage to protect your total assets. In short, liability insurance covers third party costs that you may sustain if you at fault in an accident. Without liability coverage, you are on the hook for costs to both the other person’s vehicle, lost wages due to injury, and even their medical bills. These costs add up quickly, so make sure you have adequate coverage.

Home Insurance Add Ons To Consider

When it comes to your home insurance policy, it probably came packaged with your mortgage. Maybe your real estate agent helped you select it or you picked it out during the purchase process. Whenever you obtained your mortgage there is a good chance that you didn’t spend as much time with selecting it as needed. After all, you were just moving in and didn’t know all the ins and outs of your home. Well, now that you’ve spent some time in your home it is a good idea to adjust your home insurance policy. At Integra Insurance Services we can help you specifically with that. So if you live in Huntington, TX, we want to lend a helping hand. 

Flood Insurance

Protect your property from flooding, such as following a major storm, a burst pipe, or from putting out a fire, with flood insurance. 

Landscaping Insurance

Did you put up new constructions on your property? Want to protect a tool shed you had installed. Perhaps you have a swimming pool or other additions on the outside of your property? Well, you can insure these areas of your home so, in the event of damage, you won’t be forced to repair or replace these items fully out of pocket. 

Window Insurance

Have large windows that are in harm’s way? Protect them with window insurance. 

Consider Your Home Insurance Policy Options

There are plenty of home insurance policy options to choose from. It’s simply up to you to know what your home needs. From additional flood insurance to protect the swimming pool and gazebo you had installed, there are all kinds of home insurance policy options you’ll want to look over. And if you live around the Huntington, TX area our staff here at Integra Insurance Services is here to help every step of the way. 

What is term life insurance?

There are different types of life insurance that are available based on a policy holder’s needs. Term life insurance is one such type of coverage that is utilized by many who have invested in a policy. Integra Insurance Services is a company that provides this kind of coverage for people in the Huntington, TX area. 

How term life insurance works

This is a type of coverage that lasts for a specific timeframe or term of years. If the policyholder dies during this term, their beneficiaries will receive the amount of coverage listed in the policy.  

These policies are generally more affordable than whole life insurance and other types of coverage, and they give the best value relative to their cost. This is because the policy does not technically have any monetary value until the death of the insured person, and it does not allow for cash payouts in most cases. A term policy can be beneficial if someone wants coverage during a specific period of their life, such as while they are raising young children or working in a certain occupation. People who want to invest in permanent coverage that can last for the rest of their life should look into other types of coverage. However, when a term policy ends, the policyholder can renew it or convert it to a different type of life insurance if they choose to do so. The specifics of a term policy will vary based on a person’s age and life expectancy. 

Learn more about setting up a life insurance policy

If you have any other questions about term life insurance, you can contact an agent at Integra Insurance Services. They serve people in the Huntington, TX area with great insurance coverage. 

How Often Should I Take Boat Insurance Inventory?

When you head out in your car or boat, your home insurance will cover anything that you bring from home. But for many boaters in Huntington, TX, there is property that is intended to stay on the boat. In particular, we’re talking about boating equipment, but also any clothing, appliances, and anything else you might keep onboard. If you want your boat insurance to cover this, then you need to keep an inventory.

So how often should you update this inventory?

  • After a big purchase. If you just bought a new anchor or installed a mini-fridge, you can go ahead and contact your agent and add that right away. Provide your insurance company with photos and receipts and you’re good to go.
  • Once every six months to a year. As with purchases for the home, purchases for the boat tend to accumulate over time. You don’t need to call your insurer every single time you put a new shirt in the cabin’s dresser, but after a year or so, a wardrobe gets to be expensive to replace. It’s a good idea to video this documentation so that you don’t miss anything.

The personal property insurance for possessions you keep on your boat is unlikely to cover anything close to the value of the possessions in your home. If you own a smaller boat, it might not even be worth documenting anything but boating equipment. But if you own a larger boat for long cruises, you’ll be glad you kept your insurer up to date.

If you’re still shopping around for boat insurance in Huntington, TX, get in touch with Integra Insurance Services. Pick up the phone or go to the Integra Insurance Services website to see what they can do for you.

Hard to Insure? Consider Specialty Property Insurance.

Do you own a property that has special insurance needs that make purchasing insurance a little less straight forward than otherwise? At Integra Insurance Services we’ve seen it all and we can likely provide you with the exact insurance you need for coverage in your unique situation. We serve Huntington, TX,  and the surrounding areas with quality insurance services. 

Situations That May Require Specialty Property Insurance:

  • Multi-Family Property If you rent out or own a home that has more than one family unit living in it, such as a duplex or a multifamily apartment complex you will face increased risk situations that you will want to be fully covered for. 
  • Mobile Homes There are some special insurance considerations for mobile homes, particularly older ones. You may need to purchase additional coverage and there comes a point where your mobile home may be difficult to insure at all if it was built before a specific date. 
  • Coastal Homes Beach and tidal river homes are the best, right? But for all the perks the risks are also high. If you have a home on the river, lakeside, or on the ocean you can still purchase insurance, and certainly should, but there are some special considerations. 
  • Rental Homes If you rent out your property your insurance will be different than the homeowner’s insurance policy you would buy if you lived there. Contact us to learn more. 
  • Vacant Property There is specific insurance for properties that sit vacant for an amount of time that you should purchase to keep you covered in any situation. 

Integra Insurance Services serves the community of Huntington, TX with premium insurance for all your business and personal needs. Contact us today to learn more about specialty insurance. 

3 Commercial Insurance Coverages To Consider

We are Integra Insurance Services and we have been serving Huntington, TX, for many years. We offer different types of insurance policies. For business owners, we offer several types of commercial insurance coverages and we will give you three of them to consider.

1.         General liability insurance

This coverage protects your business from lawsuits bordering on slander, libel, property damage, or bodily injury. The policy will provide funds for legal defense and also settle the plaintiff if you’re found guilty. Without this coverage, if you lose the case, the settlement could run you out of business completely.

2.         Business income insurance

When your office and equipment are damaged by fire or wind, this coverage compensates you for the amount of revenue you lost due to the incident. Theft of business equipment is also covered by this policy. If your tools are stolen, it may take some time before you are able to replace them. During that period, there’ll be a drop in your productivity. This coverage will refund the amount you lost.

3.         Commercial property insurance

This coverage will pay for the repair or replacement of your damaged or stolen equipment. Don’t mistake it for business income insurance policy, which compensates you for loss of revenue caused by damaged or stolen tools.

Imagine a situation where a sudden tornado hits your office, damaging your equipment and all the vehicles parked in your premises. Due to the damage, your office has to be closed for a couple of weeks. Unfortunately, the wind also hurled some stones which broke the windshield of one of your customers’ cars.

To make things worse, the customer filed a lawsuit against you. Without any commercial insurance policy, it will take a miracle for your business to survive the litany of issues. On the other hand, if you have purchased the three insurance coverages above before the incidence, you’d be unruffled.

General liability insurance will take care of the customer’s car and the lawsuit. The business income insurance will compensate you for how much you lost during the closure of your office, and finally, the commercial property insurance policy will reimburse you for the cost of repairs and replacements.

For other essential commercial insurance coverage, contact us at Integra Insurance Services in Huntington, TX.

How to Pick Auto Insurance in Texas

For people all over the Huntington, TX area, owning a car is a practical necessity. Without one, getting around town and to and from work could be very hard and inconvenient. If you are going to purchase a car in this area of Texas, it is important to carefully consider your auto insurance needs. There are several tips to follow that can help you to pick a good auto insurance policy. 

Consider Legal Requirements

When you are looking for an auto insurance policy in Texas, the first thing that you need to do is consider the legal requirements that come with having a car. Similar to other states, those that are in Texas need to have liability insurance whenever they are out driving their car on a public road. If you do not have this form of insurance, you could face legal ramifications. 

Think About Car Repairs and Replacements

When you are going to get auto insurance, you should also carefully think about how you would repair or replace your car. If you have a car that is worth a lot of money, it is important that you protect this asset and investment. One of the best ways that you can do this is by getting a full auto insurance policy on your car. 

When you are going to get a car in the Huntington, TX area, it is very important that you get good auto insurance. Having this form of insurance can protect you a wide range of different ways. When you are going to get auto insurance, you should reach out to the team at Integra Insurance Services. When you do call Integra Insurance Services, you can receive guidance and support needed to pick a policy that is right for your situation. 

Home features that require additional coverage under a homeowners policy

Most homeowners in the Huntington, TX area know that one must maintain a homeowners’ insurance policy. However, some fail to realize that some features in a home are not automatically covered or are included on a limited basis. An agent at the Integra Insurance Services can walk through the features of your home to determine if you will require additional coverage under your homeowners’ policy. 

Houses with oil heating 

If you have an older home and it uses oil to heat the house, you will need to add additional coverage. Oil is highly flammable, so extra coverage under your policy will provide additional protection. 

Swimming pools

It is imperative to understand the coverage provided under your home insurance policies for swimming pools. Claims related to pool injuries or death can be extremely high. If your policy limits or excludes this coverage, it is imperative that you add the coverage to your policy. 

Fine Art 

While you may consider fine art personal property, there is a good chance your limit on your homeowners’ insurance policy will not be enough in the event of a claim. It is critical to know the value of the fine art you would like to insure and purchase additional limits. If you have an extensive collection of fine art, you may want to consider a separate fine art policy. 

Computer coverage 

Do you have a media room in your home filled with computers and expensive electronic equipment? If so, you will want to make sure you are purchasing additional limits to cover the computers and electronic equipment. 

Home Business coverage 

If you work from home, you should speak to your agent about adding on coverage for your home-based business. A homeowners’ policy will not automatically cover the equipment used for the business of any liability claims if a third party is injured at your home office. 

If you would like to discuss adding additional coverage to your homeowners’ insurance policy, reach out to an agent at Integra Insurance Services today. We proudly serve the Huntington, TX area.